The average American little needs advice on the conduct of his farm or business; or, if he thinks he does, a large supply of such help in farming and trading as books and periodicals can give, is available to him. But many a man who is well to do and knows how to continue to make money, is ignorant how to spend it in a way to bring to himself, and confer upon his wife and children, those conveniences, comforts and niceties which alone make money worth acquiring and life worth living. He hardly realizes that they are within his reach.

ther. It has been established clearly that the cold bath is highly stimulating, and where not too prolonged, and when followed by vigorous rubbing, is undoubtedly healthful for a large number of people. The cold bath is often used by physicians in the treatment of diseases of low vitality. Many persons however, are unpleasantly affected by bathing in water of a temperature much below that of the body; particularly is this true of women, and the like may be said of thin and nervous persons of the other sex. It is claimed by the advocates of the cold bath that those who practice this procedure daily are practically immune from colds, but this, certainly, is not always true; on the contrary the writer has seen instances where the cold bath has unquestionably led to chronic nasal catarrh, with increased tendency to inflammatory conditions of the air passages. It is also the case that baths of this description tend in some persons to prevent a normal accumulation of fat beneath the skin, and keep individuals of th